Fidelity Deposit & Discount Bank Mortgage Lending & HMDA Data, 2003
In 2003, Fidelity Deposit & Discount Bank of Scranton, PA reported 940 mortgage applications totaling $94.5 million. The average application was for $100,561, and applicants reported an average income of $73,839. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Scranton--Wilkes-Barre--Hazleton, PA (895), Allentown-Bethlehem-Easton, PA (2) and Philadelphia, PA-NJ (2) (applications in parentheses).
| Mortgage Company & Address | Fidelity Deposit & Discount Bank 101 N Blakely St Scranton, PA 18512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 940 |
| Total Mortgage Loan Application Amount | $94,528,000 |
| Average Mortgage Loan Application Amount | $100,561 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $73,839 |
| Highest Applicant Income | $1,676,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Deposit & Discount Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Fidelity Deposit & Discount Bank in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 523 | $53,412,000 | $102,000 | $700,000 | $77,000 | $1,676,000 |
| Home Purchase (one-to-four family) | 252 | $34,210,000 | $1,163,500 | $2,200,000 | $407,000 | $744,000 |
| Home Improvement (one-to-four family) | 164 | $4,206,000 | $25,000 | $248,000 | $66,000 | $450,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $2,700,000 | $2,700,000 | $2,700,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 923 | $90,450,000 | $1,147,500 | $2,200,000 | $405,500 | $1,676,000 |
| Black | 6 | $689,000 | $114,000 | $272,000 | $153,000 | $298,000 |
| Hispanic | 6 | $288,000 | $48,000 | $158,000 | $30,000 | $47,000 |
| Other | 2 | $2,897,000 | $1,448,000 | $2,700,000 | $150,000 | $300,000 |
| American Indian or Alaskan Native | 2 | $138,000 | $69,000 | $80,000 | $44,000 | $45,000 |
| Asian or Pacific Islander | 1 | $66,000 | $66,000 | $66,000 | $36,000 | $36,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 940 | $94,528,000 | $1,149,000 | $2,700,000 | $407,500 | $1,676,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 685 | $68,751,000 | $100,000 | $2,700,000 | $79,000 | $1,676,000 |
| Application Withdrawn By Applicant | 155 | $18,124,000 | $1,151,500 | $2,200,000 | $422,000 | $744,000 |
| Application Denied By Financial Institution | 96 | $7,615,000 | $79,000 | $350,000 | $51,000 | $480,000 |
| Application Approved But Not Accepted | 4 | $38,000 | $9,000 | $21,000 | $75,000 | $290,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 31 | $2,433,000 | $78,000 | $350,000 | $56,000 | $162,000 |
| Debt-To-Income Ratio | 23 | $2,590,000 | $112,000 | $250,000 | $53,000 | $115,000 |
| Collateral | 4 | $287,000 | $71,000 | $155,000 | $44,000 | $69,000 |
| Credit Application Incomplete | 2 | $373,000 | $186,000 | $198,000 | $91,000 | $150,000 |
| Other | 2 | $366,000 | $183,000 | $220,000 | $100,000 | $168,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Deposit & Discount Bank's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fidelity Deposit & Discount Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About